Re: debt validation question

FDCPA 809(b) only requires that they "obtain" verification from the creditor, and convey that fact to the consumer. It does not require accompanying documentation.

It is basically a system that places the burden on them to have reasonable basis for concluding the debt is owed, and you are the correct party to pursue.

If they validate without any reasonable basis, they do so at their future legal peril. It is not a legal process of proofs.

If a consumer feels that they have validated without support, they can bring civil litigation and get the issue before a party with the authority to compel production of proofs.

The DV process does not provide that.

AS for expiration of SOL, that is your shield if they should pursue legal action. Expiration of SOL has no relevance to their credit reporting, and does not preclude them from pursuing collection of the debt. They just lose the legal option.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.